Michael McGrath (Cork South Central, Fianna Fail) | Oireachtas source

Why does the bank not introduce more granular detail in its fixed rates? It has them where there is an LTV of over 80%, but if one has a very low LTV, the risk for the bank of carrying that mortgage is minimal. Why does it not have even more competitive rates for people who are well down the road of paying their mortgages and who have a 50% LTV. The bank is not giving them any extra benefit even though the carrying cost for the bank of that mortgage is low.